CategoryArticles

Stop Calling It Account Takeover “Fraud”

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A few years ago, when it started to become clear that account takeover (ATO) was becoming a threat, it was understandable that it was seen as a fraud problem. After all, the identity theft inherent in taking over a user’s account does, on some level, amount to fraud. But as the ATO problem has grown, impacting nearly every online business, it’s become clear that we need a mindset shift in how we...

We shouldn’t focus on changing user behavior—but on understanding it

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The state of online identity is bleak—mostly because it relies on an outdated username and password model. Each year, 1 billion credentials are leaked or breached, and 73 percent of passwords are being reused across sites. These dynamics have led to an increase in account takeovers (ATOs), in which a hacker tries stolen credentials across a variety of websites and takes over entire accounts to...